Welfare broker

MIDWEST HERITAGE INS SVCS

Mailing address (most recent filing)

1025 BRADEN AVE

P.O. BOX 737

CHARITON, IA 500491770

Total comp: $709K
Commissions: $422K
Fees: $288K
Filings: 3
Sponsors: 3

Carrier mix

Where MIDWEST HERITAGE INS SVCS places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

AMERITAS LIFE INSURANCE CORP.100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
AMERITAS LIFE INSURANCE CORP.	1	$9.0M	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
IA	1	$9.0M	0.1%	105.23x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of MIDWEST HERITAGE INS SVCS's plans by broker comp / premium ratio. Median 21.04% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of MIDWEST HERITAGE INS SVCS's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where MIDWEST HERITAGE INS SVCS is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HY-VEE, INC. HY-VEE ELECTIVE BENEFITS PLAN	IA	$9.0M	$1.9M	AMERITAS LIFE INSURANCE CORP